604 Gilbert St, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 604 Gilbert St, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,400 sqft · built 2008
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Jun 2020)
Tax Bill	$5,200 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-29-309-008`

Property Details

APN / Parcel Number

Primary APN	`8912-29-309-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	80 ft deep x 140 ft wide
Garage Type	Mixed
Garage Area	1,552 sqft
Parking Spaces	6 Parking Spaces
Deck Area	192 sqft
Patio Area	419 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	604 GILBERT ST
City	EVANSDALE
State	IA
Zip	50707-4000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR BARNES PLAT OF MAYWOOD W 80 FT LOT 35
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	AUDITOR BARNES PLAT OF MAYWOOD
Legal Lot Number	35
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3019
Census Tract	800

Owner

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	604 GILBERT ST, EVANSDALE, IA 50707-4000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	202023216
Last Transfer Date	Jul 30, 2021
Transfer Doc	2022000023
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 30, 2020
Property Address	604 GILBERT ST, WATERLOO, IA 50707-4000
Document Number	202000023216
Instrument Date	Jun 26, 2020
Instrument	202000023216
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	414 7TH ST, JESUP, IA 50648-1022

Mortgage

Document Number	202000023217
Date	Jun 30, 2020
Instrument	202000023217

Lender

Name	CEDAR RAPIDS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,200.00 (+1.13%) Homeowner's exemption	$265,700 (+7.45%) Land $17,020 Building $248,680	$265,700 (+7.45%) Land $17,020 Building $248,680
2024	$5,142.00 (+31.51%)
2023		$247,280 (+32.31%) Land $17,020 Building $230,260	$247,280 (+32.31%) Land $17,020 Building $230,260
2022	$3,910.00 Homeowner's exemption	$186,900 Land $17,020 Building $169,880
2021			$186,900 Land $17,020 Building $169,880

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1993–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink.

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